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Getting you settled is as important as a good settlement

We help keep things simple by making the legal side easier to understand, reducing the jargon and giving you a clear and accurate picture of your financial position.

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Our expert divorce lawyers guide will help you through this process with the care and attention it needs and the information required to make well-informed decisions about your financial security today and in the future.

Along with our in-house accountants and a network of Independent Financial Advisers, pension experts, business valuation experts, property experts and budget planners, you can be reassured you will get the tailored approach you need.

 

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Key divorce finances information

What is a prenuptial agreement?​

Also known as ‘prenups’, prenuptial agreements are written contracts that couples can enter before marriage or civil union. The prenup outlines ownership of money, assets, or property and what will happen to them in the case of divorce or dissolution.

How does spousal maintenance work?​

Different to child maintenance, spousal maintenance is a payment from one former spouse to another after divorce. The amount can change at any time and should be decided based on financial needs and income. A divorce lawyer can help you come to an agreement on how much spousal maintenance should be paid out of court.

What is a freezing order?​

Commonly used in divorce or dissolution cases, freezing orders prevent one spouse from disposing of assets until a case is resolved. This protects the other part from missing out on assets they may have matrimonial claim over.

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What is a divorce financial settlement?

A financial settlement is a legally binding agreement designed to sort out any financial issues and fairly separate your assets once the marriage is over. The aim is to establish a fair and equitable distribution of assets and financial support, taking into account the circumstances of each spouse and the standard of living during the marriage.

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What is covered in the financial settlement? 

During the process, assets are divided into two categories: matrimonial and non-matrimonial.

  • Matrimonial assets (also known as marital assets): any financial assets built up during the period of marriage. These are the primary type of assets that will be divided in a way that is considered fair and meets both parties’ reasonable needs.
  • Non-marital assets: any assets acquired before or after the marriage. These are typically kept separate from the pot of matrimonial assets but can be considered under some situations. Because of these grey areas, it’s important that you work with a family law solicitor to understand how your non-matrimonial assets might be impacted during a divorce.

Any of these assets are then put into a pot where they can be divided fairly. Types of assets can include:

  • Money – savings, investments and life insurance policies
  • Property – the family home and any property owned individually
  • Household contents
  • Cars
  • Pensions
  • Businesses
  • Personal items (Valued at over £500 must be disclosed)
  • Debts, loans and credit cards

There are several ways to reach a financial settlement, from an agreement between the couple and a lawyer drafting a legally binding document to a series of court hearings. Our expert lawyers can advise on the right approach to take for your situation.

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Meet our expert divorce finance solicitors
Julian
Hawkhead
Senior Partner
Jemma
Slavin
Regional Director, London & South East
Louise
Chipchase
Regional Director, South West & Wales
Rachel
Roberts
Regional Director, Midlands and North
Beth
Sheridan
Managing Partner, East Midlands
Christopher
Birch
Managing Partner, Yorkshire and North East
Emma
Newman
Managing Partner, Surrey, Sussex & Kent
Helen
Miller
Managing Partner, North West
Liza
Gatrell
Managing Partner, Hampshire, Oxfordshire & Dorset
Marjha
Golding-Evans
Managing Partner, South West & Wales
Nastassia
Burton
Managing Partner, Leeds & Manchester
Phoebe
Turner
Managing Partner, London
Rachel
Watson
Managing Partner, Beds, Bucks and Herts.
Rebecca
Calden-Storr
Managing Partner, Birmingham and West Midlands
Samantha
Armour
Managing Partner, North Hampshire and Berkshire
Sebastian
Burrows
Managing Partner, Essex
Amy
Langford
Team Leader Partner, South West & Wales
Angela
Traynier
Team Leader Partner, Manchester and Liverpool
Annabel
Hayward
Team Leader Partner, Milton Keynes
Claire
Cleary
Team Leader Partner, Birmingham and West Midlands
Elaine
Morrison
Team Leader Partner, London
Emma
McMorrow
Team Leader Partner, London
Filomena
Sterkaj
Team Leader Partner, Chelmsford, Bishop's Stortford & Colchester
Florence
Ashcroft-Lane
Team Leader Partner, East Midlands
Gemma
Davison
Team Leader Partner, Head of Oxford and Banbury
Gemma
Thew
Team Leader Partner, Surrey, Sussex, Hampshire & Dorset
Jenine
Imms
Team Leader Partner, Kingston
Katie
Kilburn
Team Leader Partner, Leeds
Kate
McCarthy
Team Leader Partner, Surrey, Sussex, Hampshire & Dorset
Lauren
Roche
Team Leader Partner, South West & Wales
Maria
Coster
Team Leader Partner, Sheffield
Matthew
Taylor
Team Leader Partner, North West
Maya
Bhatiani
Team Leader Partner, Essex & Kent
Melanie
Quinn
Team Leader Partner, St Albans
Niamh
McCarthy
Team Leader Partner, Surrey, Sussex, Hampshire & Dorset
Nicky
Hunter
Team Leader Partner, Newcastle, North Shields & Middlesbrough
Rachel
Fisher
Team Leader Partner, South West & Wales
Rosanna
Hounslow
Team Leader Partner, London
Sara
Morton
Team Leader Partner, Birmingham and West Midlands
Sarah
Peters
Team Leader Partner, London
Shanika
Haynes
Team Leader Partner
Sarah
Townsend
Team Leader Partner, East Midlands
Anna
Clifton, MCIArb
Partner, London
Ashley
Le-Core
Partner, Tunbridge Wells
Angela
Sussens
Partner, Leeds
Camilla
Burton-Baddeley
Partner, Altrincham & Warrington
Charlotte
Newman
Partner, Leeds
Cheryl
Grace
Partner, Leeds
Ethan
Connor
Partner, Birmingham
Georgina
Ridsdale
Partner, Bristol
Helen
Taylor
Partner, Stony Stratford
Helen
Hanson
Partner, South West & Wales
Henry
Crisp
Partner & Head of Client Proposition, Kingston
Holly
Lamb
Head of International & Partner, East Midlands
Jennifer
Gray
Partner, London, Bromley & Richmond
Jennifer
Reddy
Partner, Altrincham & Knutsford
Joanna
Newton
Partner, South West & Wales
Jo
Backwith
Partner, North Hampshire and Berkshire
Maryana
Tuka
Partner, St Albans
Rebecca
Finnigan
Partner, Liverpool & Chester
Samantha
Farndale
Partner, London
Sarah
Crilly
Partner, Newcastle, North Shields & Middlesbrough
Sarah
Gillen
Partner, Surrey, Sussex, Hampshire & Dorset
Sarah
Hodges
Partner, Surrey, Sussex, Hampshire & Dorset
Siobhan
Vegh
Partner, London
Shivi
Rajput
Partner, London
Vicki
Rawlins
Partner, Southampton
Alice
Price
Senior Associate, Birmingham
Barbara
Bitis
Senior Associate, Southampton
Ciara
Pugh
Senior Associate, London, Bromley & Richmond
David
Allen
Senior Associate, Newcastle, North Shields & Middlesbrough
Emel
Hamit
Senior Associate, Chelmsford, Bishop's Stortford & Colchester
Emily
Beven
Senior Associate, North Hampshire and Berkshire
Faye
Wright
Senior Associate, Stony Stratford
Gemma
Artus
Senior Associate, Surrey, Sussex, Hampshire & Dorset
Georgina
Nelson
Senior Associate, South West & Wales
Hannah
Ross
Senior Associate, Leeds
Heidi
Susan Fleming
Senior Associate, Leeds
 
Hollie
Murray
Senior Associate, Newcastle, North Shields & Middlesbrough
Imrana
Masters
Senior Associate, Stamford
Joanne
McDonald
Senior Associate, Tunbridge Wells
Josephine
Pilling
Senior Associate, Oxford
Kate
Bouwmeester
Senior Associate, Chelmsford
Kate
Newton
Senior Associate, North Hampshire and Berkshire
Katie
Stewart
Senior Associate, London
Katy
Jordan
Senior Associate, South West & Wales
Laura
George
Senior Associate, Southampton
Laura
Stocks
Senior Associate, Birmingham
La-Toyah
Phillips
Senior Associate, North Hampshire and Berkshire
Louise
Forsyth
Senior Associate, Tunbridge Wells
Luanne
Morton
Senior Associate, East Midlands
Natalie
Nero
Senior Associate, St Albans
Nicola
Beasley
Senior Associate, Surrey, Sussex, Hampshire & Dorset
Priyal
Patel
Senior Associate, St Albans
Rachel
Joyce
Senior Associate, Beverley
Rachel
Lander
Senior Associate, Stony Stratford
Rosalyn
Jacobs
Senior Associate, Chelmsford
Sarah
McLoughlin
Senior Associate, East Midlands
Sarah
Scriven
Senior Associate, Oxford
Sarah
Sowden
Senior Associate, Leeds
Nicole
Turner
Senior Associate, Altrincham, Nantwich, Warrington & Knutsford
Tara
Baker
Senior Associate, London, Bromley & Richmond
Zanariah
Webster
Senior Associate, London
Alexandra
Martin
Associate, Liverpool
Alex
Panayides
Associate, Cardiff
Anna
Clarkson
Associate, Nottingham
Baljinder
Boughan
Associate, Sheffield
Barbara
Marques
Associate, London
Bethan
Cooper
Associate, Manchester
Charlotte
Hallam
Associate, East Midlands
Chelcie
Evans
Associate, Leamington Spa & Birmingham
Eleanor
Lorimer
Associate, South West & Wales
Elizabeth
Hughes
Associate, Southampton
Emily
Davies
Associate, North West
Figen
Demiri
Associate, London
 
Fleur
Ryder-Smith
Associate, Surrey, Sussex, Hampshire & Dorset
Gemma
Windle
Associate, St Albans, Berkhamsted & Rickmansworth
Hannah
Wile
Associate, South West and Wales
Heather
Arnold
Associate, Altrincham, North West
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Leach
Associate, Guildford
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Morrow
Associate, Tunbridge Wells
Jennifer
Roberts
Associate, Newcastle
Joanna
Dale
Associate, South West & Wales
Judit
Kerese
Associate, South West and Wales
Kate
Anderson
Associate, Southampton
Kate
Whelan
Associate, Surrey, Sussex, Hampshire & Dorset
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Williams
Associate, London
Lauren
Ashforth
Associate, South West & Wales
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Singh
Associate, Liverpool
Lydia
Owen
Associate, Birmingham
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Holland
Associate, London
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Brookfield
Associate, North West
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Brindley
Associate, Birmingham
Monica
Lal
Associate, Birmingham & Leamington Spa
Pooja
Patel
Associate, London, Richmond & Bromley
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Harwin
Associate, Sheffield
Rachael
Wilson
Associate, Leeds
Rukhma
Sohail
Associate, London
Samantha
Edwards
Associate, Tunbridge Wells
Sophie
Ballinger
Associate, Surrey, Sussex, Hampshire & Dorset
Sophie
Thayre
Associate, Tunbridge Wells
Sophie
Croft
Associate, Newcastle
Subecca
Sheikh
Associate, London
Susannah
May
Associate, London
Tamara
Adams
Associate, North West
Aimee
McKay
Solicitor, Newcastle
Annique
Sampson
Solicitor, Chelmsford
Charlotte
Kirkby
Solicitor, St Albans
Chloe
Flynn
Solicitor, Leeds
Claudia
Hubert
Solicitor, London
Courtney
Rooney
Solicitor, Cheltenham
Daniela
Da Silva
Solicitor, London
Deepika
Bhoolah-Bansal
Solicitor, Southampton
Elizabeth
Gray
Solicitor, St Albans
Elona
Smith
Solicitor, Surrey, Sussex & Hampshire
Ewan
Paton
Solicitor, East Midlands
Francesca
Sanderson
Solicitor, North Hampshire and Berkshire
Hayley
Goucher
Solicitor, Tunbridge Wells
Holly-Rose
Wright
Solicitor, Leeds
Jade
Bray
Solicitor, North Hampshire and Berkshire
Jennifer
Hargreaves
Solicitor, South West & Wales
Judith
Brock
Solicitor, Surrey, Sussex, Hampshire & Dorset
Julia
Francis-Owusuasefa
Solicitor, Guildford
Kamila
Ewa Cyran
Solicitor, North Hampshire and Berkshire
Katrina
Burrows
Solicitor, North Hampshire and Berkshire
Kelsey
Faulkner
Solicitor, North West
Khadiza
Ahad
Solicitor, St Albans
Kiren
Kaur
Solicitor, Chelmsford
Kirsten
Crouch
Solicitor, Oxford
Lauren
Gauld
Solicitor, Chelmsford
Megan
Durkin
Solicitor, North West
Mollie
Greenwood
Solicitor, North West
Molly
Beattie
Solicitor, Newcastle
Nhu
Vo
Solicitor, Kingston
Olivia
Dann
Solicitor, Oxford
Paula
Lucena
Solicitor, St Albans
Phoebe
Trott
Solicitor, Chelmsford
Rachael
Lodge
Solicitor, South West & Wales
Rachel
Tomley
Solicitor, Birmingham
Rebecca
Sutton
Solicitor, London
Sarah
Parkin
Solicitor, Sheffield
Shahana
Ravendradas
Solicitor, Chelmsford
Shaughney
Loveridge
Solicitor, Cheltenham
Tazaiyan
Baig
Solicitor, North Hampshire and Berkshire
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Trow
Solicitor, Manchester
Yvonne
Taiwo
Solicitor, Chelmsford
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Cross
Solicitor, Leeds
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Hughes
Family Lawyer, Liverpool, Manchester, Chester & Wigan
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Turner
Family Lawyer, East Midlands
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Lewis
Family Lawyer, Stony Stratford
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Miles-Berry
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Hall
Legal Assistant, Liverpool
Ashleigh
Balodis
Trainee Solicitor, Stony Stratford
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Kaur
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Harrison-Croft
Client Services Team Lawyer
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Christie
Client Services Team Lawyer
Angela
Sandhu
Paralegal, London & St Albans
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Jones
Paralegal, Stony Stratford
Nayab
Fahim
Paralegal, North West
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Kaur
Paralegal, Stony Stratford
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Langford
Legal Assistant, East Midlands
Suzanne
Grant
Forensic Accountant
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How are finances split in a divorce?

Finances in a divorce are typically split based on principles of fairness and need. Couples are encouraged to negotiate and reach a financial settlement either independently or with the assistance of mediators or solicitors.

Factors considered include the financial needs and responsibilities of each spouse, the length of the marriage, the standard of living during the marriage, contributions to the marriage (financial and non-financial), and any special needs such as childcare responsibilities or health issues. The division may involve splitting assets such as property, savings, pensions, and investments, as well as allocating ongoing financial support.

Financial arrangements can be settled through negotiation, mediation, or court proceedings, if necessary, with the aim of achieving a financial settlement that meets the needs of both parties and any dependent children.

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  • The divorce financial settlement process

    While the process can vary depending on the individuals, it will normally follow this process.

    1. Disclosure of assets and liabilities;
    2. Negotiation and mediation
    3. Drafting a legally binding agreement (Consent Order)
    4. Court proceedings (if agreement cannot be reached)

    Note that if you stick to an amicable settlement, you can avoid the last stage altogether.

  • Types of settlement agreements

    While an amicable out of court resolution is preferred, it is not always possible.

    Financial agreements are known as financial orders. These can either be reached through mutual agreement with a financial consent order or can be ordered by the court through financial final orders when couples can’t agree.

    These are the main types of agreements you will see:

    • Lump Sum Order: a simple one-time payment from one party to the other to settle any necessary compensation.
    • Property Adjustment Order: either transferring a property or the sale of one and dividing the assets raised through the sale.
    • Spousal Maintenance Order: regular financial payments/support from one party to another. This is usually when there is a large difference in income, or one party was financially supported during the marriage.
    • Pension Sharing Order: divides assets from pensions to ensure a fair distribution of retirement benefits.
    • Pension Attachment Order: where a portion of one party’s pension is earmarked for another when they become payable.
    • Child Maintenance Order: financial support/payments made to one parent for the support of child(s) needs. Calculated based on child’s needs and paying parent’s income.
    • Clean Break Order: severs all financial ties between parties.

If you are discussing potential financial settlements with your ex partner then early specialist legal advice is invaluable because the law is discreationary and not easy to navigate. You need to ensure that your settlement paramaters are fair and can be enforced.

Liza Gatrell, Team Leader Partner

Why choose Stowe Family Law?

  • As the only national law firm fully dedicated to family matters, our expert team offers professional advice so you can make a fully informed decision about your divorce.

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Let's ask Mrs S

12 months ago I was faced with the sudden and unexpected end of my 23 year marriage. In a state of complete shock, I needed professional advice I could rely on to achieve the best possible outcome for myself and my children. From the onset, Stowe Family Law, represented by Charlotte Newman, provided me with not only the highest professional service… Read mores but also a sensitivity to my situation which enabled me develop a confidence and trust in her proficiency, that I believe ultimately lead to an overwhelmingly successful outcome in my case. Charlotte is a dedicated and driven family law solicitor, who was always supportive and quick to respond to occurrences that arose with precisely the right amount of momentum needed to move matters forward appropriately. She has an extensive knowledge of family law and I can not recommend her highly enough. I will be forever grateful for all she has done.

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At a really difficult time in my life, Nastassia listened, gave expert advice and handled my divorce with professionalism and sensitivity. I can thoroughly recommend Stowe.

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Jenny Reddy is a one to watch - she is exceptionally hard working, fights her client's case fearlessly and robustly and ensures that she delivers.

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Mark Christie provided me with exceptional support throughout a very difficult divorce. His professionalism and robust attention to detail are second to none. He gave me hard facts alongside solid advice and guidance throughout the whole process. His robust and pragmatic approach was reassuring and I certainly felt Mark shouldered the burden of my … Read moredivorce allowing me to sleep at night knowing I had an excellent solicitor acting for me. I will always be grateful to Mark and would highly recommend him, more so I'm certainly grateful he was in my corner!

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I had to change my solicitors, that's why I met Kate Bouwmeester at Stowe Family Law. I wish I had her as my solicitor from the very beginning. My financial matter was handled by Kate. Also, she gave me advice on children matters. Kate understood what my expectations were and honestly handled the matter cost-effectively. Kate had been brilliant whe… Read moren it came to clarity and details. She was quick with responses. I would highly recommend Kate Bouwmeester if you are looking for a solicitor for your marital conflict. Unlike some other solicitors, Kate Bouwmeester is able to advise on all matters - divorce, finances and children. I believe that these three matters are linked to one another and having one solicitor, rather than two, for all these matters is more efficient and cheaper. Thank you Kate for helping me

Let's ask of Rhiannon Ford Divorce Consultancy

I’m indebted to Rhiannon for her hugely valuable help during my divorce. I consulted her at various times, right from the beginning, whenever I felt I would benefit from her input. A few things stand out. She is a skilled listener, always sympathetic, and unfailingly 100% supportive and encouraging. And her extensive legal experience and understa… Read morending of the nuances of the system are invaluable when you are going through the court process. I can’t thank her enough for her kindness and positivity, and for always being there with expert advice when I needed it most.

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Thanks again for all of your very hard work, it achieved everything possible. You are fantastic at your job and a delight to deal with. If I possibly can, I would want you on my side for divorce proceedings.
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  • How long does a divorce financial settlement take?

    The duration of divorce financial settlements can vary significantly depending on factors such as the complexity of assets, whether the divorce is contested or uncontested, and how quickly agreements are reached. In straightforward cases where couples can agree on financial matters, settlements may be finalised within a few months. However, more complex cases involving high-value assets, disagreements over property or pensions, or disputes regarding income may take considerably longer, potentially extending over several months or even years if court proceedings are required.

  • Do you need a financial settlement to get divorced?

    You can legally get divorced without a financial settlement, but it is typically not recommended. This can leave you vulnerable in immediate post-divorce matters but also to potential claims on your finances in the future.

  • Can settlements be revisited after divorce?

    It is usually seen as a final agreement between the two parties, but there are exceptional circumstances where it can be reopened. These can be due to materials not being disclosed in the initial stages, significant life events or fraud.

  • What happens to the family home?

    A shared property is usually the biggest asset to divide in a divorce. The most simple solution is often to sell the property and divide the money from the sale. However, if one party is able to purchase the other’s share, they can take sole ownership.

    When children are involved, the best solution can be to maintain joint ownership of the home with one party residing in it until the children reach a certain age.

    You could agree to transfer a portion of the property’s value as a financial settlement. By doing this, the partner giving up some ownership maintains an ‘interest’ in the home, meaning they’ll receive a percentage of the final sale price.

  • How are pensions handled?

    Pensions are often ignored, but they are one of the most significant assets a couple has. This can be damaging for women as often 90% of the pension wealth is held by one party. Usually the man in different sex couples.

    The total value of the pensions that each party has built up is considered. This means all your pensions, not just the ones that each of you held before you were married or in a civil partnership.

    When discussing pensions in divorce, there are two primary options for couples: pension sharing and pension offsetting. The capital values, projected income in retirement, and rules of the individual pension scheme will all help inform which option will work best for you. See more on divorce and pensions here.

  • How are businesses handled?

    This can depend on how the business is owned and how much it is worth, but the courts can look at businesses when assigning assets. This can be done by lump sum payments, shares or even selling the business.

  • What if my ex won’t cooperate?

    Sometimes one or both parties refuse to cooperate, this can also be known as stonewalling. If this is the case then the court can intervene and facilitate the process and allow for a solution to take place.  The Court can also order imprisonment or impose fines on a party who is in breach if they are found to be in contempt of Court.

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Liza is the Managing Partner for our South Coast and Central team, overseeing the Winchester, Southampton, and other regional offices. She is experienced in divorce, financial matters, and legal issues involving children.

Date last reviewed: 23/04/2025

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